{"took":135,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1246,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11002503","_score":17.70521,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Credit Reporting Agencies ( CRAs ), This letter was written by my Consumer Protection Attorneys on my behalf and with my full consent. \n\nI am writing to file a dispute regarding certain inconsistencies in the reporting of collection accounts on my credit report. Based on my understanding of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 format outlined in the Resource Guide, specifically Section 25, I believe there have been significant violations of federal reporting laws and industry reporting standards. These transgressions relate to the willful non-compliance in accurately recording the Date of First Delinquency ( DOFD ) on collection accounts.\n\nThese errors amount to what is commonly referred to as \" re-aging, '' where a debt collector knowingly or recklessly fails to provide the correct DOFD to the CRAs. Under the provisions laid down in the Fair Debt Collection Practices Act ( FDCPA ), such behavior constitutes a violation. Meeting the required \" knew or should have known '' standard should not present difficulties since the industry actively promotes education and strives towards bringing its members into compliance.\n\nAccording to the FCRA, consumers retain the right to dispute inaccurate information contained in their credit files, requiring CRAs to investigate and rectify mistakes expeditiously. Should the collector continue to submit falsified information, even following the conclusion of a reinvestigationsuch as repeatedly declaring the date of initial contact as the DOFD or submitting improperly updated information leading to tradeline re-agingthey risk liability under both the FDCPA and FCRA.\n\nSpecific instances where my credit report reveals evidence of such malpractice involve the following collection accounts : XXXX  XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \n\na ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The Equifax shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. \n\na ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. \n\na ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX CB/KAY XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \n\na ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The Equifax shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. \n\na ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. \n\na ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX XXXX XXXX XXXX 1 ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX 2 ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \n\na ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The Equifax shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. \n\na ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX 4 ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. \n\na ) The XXXX shows : No Data Reported b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX 5 ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : No Data Reported b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : No Data Reported 2 ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \n\na ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The Equifax shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. \n\na ) The XXXX shows : No Data Reported b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : No Data Reported 4 ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. \n\na ) The XXXX shows : No Data Reported b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : No Data Reported 5 ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : No Data Reported b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : No Data Reported XXXX XXXXXXXX XXXX 1 ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX 2 ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \n\na ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The Equifax shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. \n\na ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX 4 ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. \n\na ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : XX/XX/XXXX XXXX XXXX  XXXX 1 ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : No Data Reported b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : No Data Reported 2 ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \n\na ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The Equifax shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. \n\na ) The XXXX shows : No Data Reported b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : No Data Reported 4 ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. \n\na ) The XXXX shows : No Data Reported b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : No Data Reported 5 ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : No Data Reported b ) The XXXX shows : XX/XX/XXXX c ) The Equifax shows : No Data Reported Please institute a thorough investigation of each issue highlighted above and update my credit file accordingly or remove each account from my report. Furthermore, ensure adequate measures are implemented to prevent future occurrences of similar violations. \nFailing swift remedial action from the respective parties responsible for these infractions shall result in further legal proceedings pursuant to statutory authority granted by the FDCPA, FCRA, and applicable state law. \nThank you for addressing my concerns diligently. Please communicate the outcome of your investigations no later than XXXX days from the date of receiving this letter. My contact information has remained unchanged since our last correspondence. \n\nRespectfully submitted, XXXX XXXX","date_sent_to_company":"2024-12-02T10:07:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"36092","tags":null,"has_narrative":true,"complaint_id":"11002503","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-02T10:07:16.000Z","state":"AL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Based on my understanding of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 format outlined in the Resource Guide, specifically Section 25, I believe there have been significant violations of <em>federal</em> reporting laws and industry reporting standards. These transgressions relate to the willful non-<em>compliance</em> in accurately recording the Date of First Delinquency ( DOFD ) on collection accounts."]},"sort":[17.70521,"11002503"]},{"_index":"complaint-public-v1","_id":"11001024","_score":17.70521,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Reporting Agencies ( CRAs ), This letter was written by my Consumer Protection Attorneys on my behalf and with my full consent. \n\nI am writing to file a dispute regarding certain inconsistencies in the reporting of collection accounts on my credit report. Based on my understanding of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 format outlined in the Resource Guide, specifically Section 25, I believe there have been significant violations of federal reporting laws and industry reporting standards. These transgressions relate to the willful non-compliance in accurately recording the Date of First Delinquency ( DOFD ) on collection accounts.\n\nThese errors amount to what is commonly referred to as \" re-aging, '' where a debt collector knowingly or recklessly fails to provide the correct DOFD to the CRAs. Under the provisions laid down in the Fair Debt Collection Practices Act ( FDCPA ), such behavior constitutes a violation. Meeting the required \" knew or should have known '' standard should not present difficulties since the industry actively promotes education and strives towards bringing its members into compliance.\n\nAccording to the FCRA, consumers retain the right to dispute inaccurate information contained in their credit files, requiring CRAs to investigate and rectify mistakes expeditiously. Should the collector continue to submit falsified information, even following the conclusion of a reinvestigationsuch as repeatedly declaring the date of initial contact as the DOFD or submitting improperly updated information leading to tradeline re-agingthey risk liability under both the FDCPA and FCRA. \nSpecific instances where my credit report reveals evidence of such malpractice involve the following collection accounts : XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The TransUnion shows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \n\na ) The TransUnion shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. \n\na ) The TransUnion shows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. \n\na ) The TransUnion shows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The TransUnion shows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The TransUnion shows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \n\na ) The TransUnion shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( XXXX XXXX ) XXXX ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. \n\na ) The TransUnion shows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. \n\na ) The TransUnion shows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The TransUnion shows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The TransUnion shows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \n\na ) The TransUnion shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. \n\na ) The TransUnion shows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. \n\na ) The TransUnion shows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The TransUnion shows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The TransUnion shows : No Data Reported b ) The XXXX shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \n\na ) The TransUnion shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. \n\na ) The TransUnion shows : No Data Reported b ) The XXXX shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. \n\na ) The TransUnion shows : No Data Reported b ) The XXXX shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The TransUnion shows : No Data Reported b ) The XXXX shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported XXXX XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The TransUnion shows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \n\na ) The TransUnion shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( XXXX XXXX ) XXXX ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. \n\na ) The TransUnion shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. \n\na ) The TransUnion shows : XX/XX/XXXX b ) The XXXX shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The TransUnion shows : XX/XX/XXXX b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The TransUnion shows : No Data Reported b ) The XXXX shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \n\na ) The TransUnion shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( XXXX XXXX ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. \n\na ) The TransUnion shows : No Data Reported b ) The XXXX shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. \n\na ) The TransUnion shows : No Data Reported b ) The XXXX shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The TransUnion shows : No Data Reported b ) The XXXX shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported Please institute a thorough investigation of each issue highlighted above and update my credit file accordingly or remove each account from my report. Furthermore, ensure adequate measures are implemented to prevent future occurrences of similar violations. \nFailing swift remedial action from the respective parties responsible for these infractions shall result in further legal proceedings pursuant to statutory authority granted by the FDCPA, FCRA, and applicable state law. \nThank you for addressing my concerns diligently. Please communicate the outcome of your investigations no later than 30 days from the date of receiving this letter. My contact information has remained unchanged since our last correspondence. \n\nRespectfully submitted, XXXX XXXX","date_sent_to_company":"2024-12-02T10:07:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"36092","tags":null,"has_narrative":true,"complaint_id":"11001024","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-02T10:03:10.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Based on my understanding of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 format outlined in the Resource Guide, specifically Section 25, I believe there have been significant violations of <em>federal</em> reporting laws and industry reporting standards. These transgressions relate to the willful non-<em>compliance</em> in accurately recording the Date of First Delinquency ( DOFD ) on collection accounts."]},"sort":[17.70521,"11001024"]},{"_index":"complaint-public-v1","_id":"10990588","_score":17.70521,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian National Consumer Assistance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Credit Reporting Agencies ( CRAs ), This letter was written by my Consumer Protection Attorneys on my behalf and with my full consent. \n\nI am writing to file a dispute regarding certain inconsistencies in the reporting of collection accounts on my credit report. Based on my understanding of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 format outlined in the Resource Guide, specifically Section 25, I believe there have been significant violations of federal reporting laws and industry reporting standards. These transgressions relate to the willful non-compliance in accurately recording the Date of First Delinquency ( DOFD ) on collection accounts.\n\nThese errors amount to what is commonly referred to as \" re-aging, '' where a debt collector knowingly or recklessly fails to provide the correct DOFD to the CRAs. Under the provisions laid down in the Fair Debt Collection Practices Act ( FDCPA ), such behavior constitutes a violation. Meeting the required \" knew or should have known '' standard should not present difficulties since the industry actively promotes education and strives towards bringing its members into compliance.\n\nAccording to the FCRA, consumers retain the right to dispute inaccurate information contained in their credit files, requiring CRAs to investigate and rectify mistakes expeditiously. Should the collector continue to submit falsified information, even following the conclusion of a reinvestigationsuch as repeatedly declaring the date of initial contact as the DOFD or submitting improperly updated information leading to tradeline re-agingthey risk liability under both the FDCPA and FCRA.\n\nSpecific instances where my credit report reveals evidence of such malpractice involve the following collection accounts : XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \n\na ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. \n\na ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. \n\na ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXXXXXX XXXX  XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \n\na ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. \n\na ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX 4 ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. \n\na ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX 5 ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX XXXX XXXX 1 ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \n\na ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. \n\na ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX 4 ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. \n\na ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX 5 ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX 1 ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported 2 ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \n\na ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. \n\na ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported 4 ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. \n\na ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported 5 ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported XXXX XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \n\na ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. \n\na ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. \n\na ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported 2 ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \n\na ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( XXXX XXXX ) b ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( XXXX XXXX ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( XXXX XXXX ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. \n\na ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported 4 ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. \n\na ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported 5 ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. \n\na ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported Please institute a thorough investigation of each issue highlighted above and update my credit file accordingly or remove each account from my report. Furthermore, ensure adequate measures are implemented to prevent future occurrences of similar violations. \nFailing swift remedial action from the respective parties responsible for these infractions shall result in further legal proceedings pursuant to statutory authority granted by the FDCPA, FCRA, and applicable state law. \nThank you for addressing my concerns diligently. Please communicate the outcome of your investigations no later than XXXX days from the date of receiving this letter. My contact information has remained unchanged since our last correspondence. \n\nRespectfully submitted, XXXX XXXX","date_sent_to_company":"2024-12-02T10:07:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"36092","tags":null,"has_narrative":true,"complaint_id":"10990588","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-02T10:07:16.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Based on my understanding of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 format outlined in the Resource Guide, specifically Section 25, I believe there have been significant violations of <em>federal</em> reporting laws and industry reporting standards. These transgressions relate to the willful non-<em>compliance</em> in accurately recording the Date of First Delinquency ( DOFD ) on collection accounts."]},"sort":[17.70521,"10990588"]},{"_index":"complaint-public-v1","_id":"14478943","_score":17.57035,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Description of the late payment reported by XXXX XXXX XXXX / XXXX On my credit reports from XXXX XXXX  and TransUnion, there is an entry marking a late payment for my account with XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. However : Violation of the FCRA : By reporting inaccurate negative information, XXXX XXXX XXXX / XXXX is v\n\niolating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires data furnishers to provide only truthful, complete, and up-to-date information. This incorrect report is unfairly damaging my credit score and finan cial reputation. I respectfully request that the CFPB investigate this discrepancy, order the immediate removal of the late payment entry, and ensure XXXX XXXX XXXX XXXX XXXX 's compliance with federal consumer protection law.","date_sent_to_company":"2025-07-06T23:55:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07501","tags":null,"has_narrative":true,"complaint_id":"14478943","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-06T23:54:57.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["However : Violation of the FCRA : By reporting inaccurate negative information, XXXX XXXX XXXX / XXXX is v\n\niolating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which <em>requires</em> data furnishers to provide only <em>truthful</em>, <em>complete</em>, and up-to-date information. This incorrect report is unfairly damaging my credit score and finan cial reputation."]},"sort":[17.57035,"14478943"]},{"_index":"complaint-public-v1","_id":"14478937","_score":17.57035,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Description of the late payment reported by XXXX XXXX XXXX / XXXX On my credit reports from Equifax, XXXX XXXX XXXX, there is an entry marking a late payment for my account with XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. However : Violation of the FCRA : By reporting inaccurate negative information, XXXX XXXX XXXX / XXXX is violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires data furnishers to provide only truthful, complete, and up-to-date information.\n\nThis incorrect report is unfairly damaging my credit score and financial reputation. I respectfully request that the CFPB investigate this discrepancy, order the immediate removal of the late payment entry, and ensure XXXX XXXX XXXX XXXX XXXX 's compliance with federal consumer protection law.","date_sent_to_company":"2025-07-06T23:55:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07501","tags":null,"has_narrative":true,"complaint_id":"14478937","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-06T23:54:57.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["However : Violation of the FCRA : By reporting inaccurate negative information, XXXX XXXX XXXX / XXXX is violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which <em>requires</em> data furnishers to provide only <em>truthful</em>, <em>complete</em>, and up-to-date information.\n\nThis incorrect report is unfairly damaging my credit score and financial reputation."]},"sort":[17.57035,"14478937"]},{"_index":"complaint-public-v1","_id":"14476618","_score":17.557047,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Description of the late payment reported by SELF FINANCIAL INC / LEA On my credit reports from Equifax, Experian, and TransUnion, there is an entry marking a late payment for my account with SELF FINANCIAL INC / LEA, dated XX/XX/XXXX and XX/XX/XXXX. However : Violation of the FCRA : By reporting inaccurate negative information, SELF FINANCIAL INC / LEA is violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires data furnishers to provide only truthful, complete, and up-to-date information.\n\nThis incorrect report is unfairly damaging my credit score and financial reputation. I respectfully request that the CFPB investigate this discrepancy, order the immediate removal of the late payment entry, and ensure SELF FINANCIAL INC / LEA 's compliance with federal consumer protection law.","date_sent_to_company":"2025-07-06T23:55:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07501","tags":null,"has_narrative":true,"complaint_id":"14476618","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2025-07-06T23:46:08.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["However : Violation of the FCRA : By reporting inaccurate negative information, SELF FINANCIAL INC / LEA is violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which <em>requires</em> data furnishers to provide only <em>truthful</em>, <em>complete</em>, and up-to-date information.\n\nThis incorrect report is unfairly damaging my credit score and financial reputation."]},"sort":[17.557047,"14476618"]},{"_index":"complaint-public-v1","_id":"14476136","_score":17.151867,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"escription of the late payment reported by XXXX On my credit reports from XXXX XXXX and TransUnion, there is an entry marking a late payment for my account with XXXX, dated XXXX XXXX for the billing cycle. However : Payment made on time : I paid the full balance due on XXXX XXXX before the contractual due date and within the grace period provided in my agreement. \n\nNo actual delinquency : There was no delay in processing my payment by my bank or by XXXX. \n\nViolation of the FCRA : By reporting inaccurate negative information, XXXX is violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires data furnishers to provide only truthful, complete, and up-to-date information. \n\nThis incorrect report is unfairly damaging my credit score and financial reputation. I respectfully request that the CFPB investigate this discrepancy, order the immediate removal of the late payment entry, and ensure XXXX compliance with federal consumer protection law.","date_sent_to_company":"2025-07-06T23:46:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07501","tags":null,"has_narrative":true,"complaint_id":"14476136","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-06T23:45:35.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Violation of the FCRA : By reporting inaccurate negative information, XXXX is violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which <em>requires</em> data furnishers to provide only <em>truthful</em>, <em>complete</em>, and up-to-date information. \n\nThis incorrect report is unfairly damaging my credit score and financial reputation."]},"sort":[17.151867,"14476136"]},{"_index":"complaint-public-v1","_id":"14476134","_score":17.125084,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"escription of the late payment reported by XXXX On my credit reports from Equifax, XXXX XXXX XXXX, there is an entry marking a late payment for my account with XXXX, dated XXXX XXXX for the billing cycle. However : Payment made on time : I paid the full balance due on XXXX XXXX before the contractual due date and within the grace period provided in my agreement. \n\nNo actual delinquency : There was no delay in processing my payment by my bank or by XXXX. \n\nViolation of the FCRA : By reporting inaccurate negative information, XXXX is violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires data furnishers to provide only truthful, complete, and up-to-date information. \n\nThis incorrect report is unfairly damaging my credit score and financial reputation. I respectfully request that the CFPB investigate this discrepancy, order the immediate removal of the late payment entry, and ensure XXXX compliance with federal consumer protection law.","date_sent_to_company":"2025-07-06T23:46:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07501","tags":null,"has_narrative":true,"complaint_id":"14476134","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-06T23:45:35.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Violation of the FCRA : By reporting inaccurate negative information, XXXX is violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which <em>requires</em> data furnishers to provide only <em>truthful</em>, <em>complete</em>, and up-to-date information. \n\nThis incorrect report is unfairly damaging my credit score and financial reputation."]},"sort":[17.125084,"14476134"]},{"_index":"complaint-public-v1","_id":"8298000","_score":16.745874,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. \n\nPursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the CRRG.\n\nDeviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. \n\nIt is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. \n\nYour actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General.","date_sent_to_company":"2024-02-07T06:05:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"06516","tags":null,"has_narrative":true,"complaint_id":"8298000","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-07T06:05:07.000Z","state":"CT","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I insist that you certify all aspects of <em>required</em> FCRA/Metro 2 <em>compliance</em> <em>truthfully</em>, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), <em>Federal</em> Trade Commission ( FTC ), and my Attorney General."]},"sort":[16.745874,"8298000"]},{"_index":"complaint-public-v1","_id":"8297822","_score":16.735237,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. \n\nPursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the CRRG.\n\nDeviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights.\n\nIt is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards.\n\nYour actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General.","date_sent_to_company":"2024-02-07T06:05:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"06516","tags":null,"has_narrative":true,"complaint_id":"8297822","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-07T05:59:42.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I insist that you certify all aspects of <em>required</em> FCRA/Metro 2 <em>compliance</em> <em>truthfully</em>, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), <em>Federal</em> Trade Commission ( FTC ), and my Attorney General."]},"sort":[16.735237,"8297822"]},{"_index":"complaint-public-v1","_id":"14476068","_score":16.732712,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"escription of the late payment reported by Oportun On my credit reports from XXXX XXXX and XXXX, there is an entry marking a late payment for my account with Oportun, dated XX/XX/year> for the billing cycle. However : Payment made on time : I paid the full balance due on XX/XX/year>, before the contractual due date and within the grace period provided in my agreement. \n\nNo actual delinquency : There was no delay in processing my payment by my bank or by Oportun.\n\nViolation of the FCRA : By reporting inaccurate negative information, Oportun is violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires data furnishers to provide only truthful, complete, and up-to-date information.\n\nThis incorrect report is unfairly damaging my credit score and financial reputation. I respectfully request that the CFPB investigate this discrepancy, order the immediate removal of the late payment entry, and ensure Oportuns compliance with federal consumer protection law.","date_sent_to_company":"2025-07-06T23:46:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07501","tags":null,"has_narrative":true,"complaint_id":"14476068","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OPORTUN FINANCIAL CORPORATION","date_received":"2025-07-06T23:33:43.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Violation of the FCRA : By reporting inaccurate negative information, Oportun is violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which <em>requires</em> data furnishers to provide only <em>truthful</em>, <em>complete</em>, and up-to-date information.\n\nThis incorrect report is unfairly damaging my credit score and financial reputation."]},"sort":[16.732712,"14476068"]},{"_index":"complaint-public-v1","_id":"8305292","_score":16.732637,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. \n\nPursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the CRRG.\n\nDeviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights.\n\nIt is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards.\n\nYour actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General.","date_sent_to_company":"2024-02-07T06:05:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"06516","tags":null,"has_narrative":true,"complaint_id":"8305292","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-07T06:05:07.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I insist that you certify all aspects of <em>required</em> FCRA/Metro 2 <em>compliance</em> <em>truthfully</em>, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), <em>Federal</em> Trade Commission ( FTC ), and my Attorney General."]},"sort":[16.732637,"8305292"]},{"_index":"complaint-public-v1","_id":"7930621","_score":16.647255,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. \n\nPer 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \n\nAccording to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. \nProvide accurate information about accounts or other interactions you have with customers. \nC - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.\n\nFurthermore, \" Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. \n\nI'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. \n\nYou are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.","date_sent_to_company":"2023-11-30T15:58:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60123","tags":null,"has_narrative":true,"complaint_id":"7930621","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-30T15:52:40.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It's not <em>complete</em> and does not meet my standards according to law, you must certify all aspects of <em>required</em> FCRA/ Metro 2 <em>compliance</em> which is done <em>truthfully</em>, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General."]},"sort":[16.647255,"7930621"]},{"_index":"complaint-public-v1","_id":"7930194","_score":16.647255,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.\n\nPer 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\nAccording to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.\n\nProvide accurate information about accounts or other interactions you have with customers.\n\nC - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.\n\nFurthermore, \" Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. \n\nI'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.\n\nYou are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.","date_sent_to_company":"2023-11-30T15:59:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60123","tags":null,"has_narrative":true,"complaint_id":"7930194","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-30T15:58:57.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It's not <em>complete</em> and does not meet my standards according to law, you must certify all aspects of <em>required</em> FCRA/ Metro 2 <em>compliance</em> which is done <em>truthfully</em>, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General."]},"sort":[16.647255,"7930194"]},{"_index":"complaint-public-v1","_id":"7922313","_score":16.639679,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. \n\nPer 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\nAccording to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.\n\nProvide accurate information about accounts or other interactions you have with customers.\n\nC - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.\n\nFurthermore, \" Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.\n\nI'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. \n\nYou are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.","date_sent_to_company":"2023-11-28T16:39:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30066","tags":null,"has_narrative":true,"complaint_id":"7922313","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-28T16:34:28.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It's not <em>complete</em> and does not meet my standards according to law, you must certify all aspects of <em>required</em> FCRA/ Metro 2 <em>compliance</em> which is done <em>truthfully</em>, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General."]},"sort":[16.639679,"7922313"]},{"_index":"complaint-public-v1","_id":"7924948","_score":16.637053,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. \n\nPer 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\nAccording to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.\n\nProvide accurate information about accounts or other interactions you have with customers.\n\nC - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.\n\nFurthermore, \" Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.\n\nI'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.\n\nYou are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.","date_sent_to_company":"2023-11-28T16:39:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30066","tags":null,"has_narrative":true,"complaint_id":"7924948","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-28T16:39:19.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It's not <em>complete</em> and does not meet my standards according to law, you must certify all aspects of <em>required</em> FCRA/ Metro 2 <em>compliance</em> which is done <em>truthfully</em>, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General."]},"sort":[16.637053,"7924948"]},{"_index":"complaint-public-v1","_id":"7924949","_score":16.623318,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. \n\nPer 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \n\nAccording to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. \nProvide accurate information about accounts or other interactions you have with customers. \nC - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report. \n\nFurthermore, \" Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.\n\nI'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.\n\nYou are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.","date_sent_to_company":"2023-11-28T16:39:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30066","tags":null,"has_narrative":true,"complaint_id":"7924949","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-28T16:39:19.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It's not <em>complete</em> and does not meet my standards according to law, you must certify all aspects of <em>required</em> FCRA/ Metro 2 <em>compliance</em> which is done <em>truthfully</em>, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General."]},"sort":[16.623318,"7924949"]},{"_index":"complaint-public-v1","_id":"10769718","_score":16.3652,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing the account NAVY FEDERAL CR UNION ( XXXX ) on my credit report, inaccurately listed as CollectionOrChargeOff, with dates XXXX and XXXX. This impacts my ability to get financing. \nUnder 15 U.S.C. 1681i, you must verify accuracy. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, courts ruled that inaccuracies should be corrected. Please delete this account and provide proof of the {$15000.00}. \n\nthey are violating my rights! I have listed the concerns about this reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have","date_sent_to_company":"2024-11-15T16:08:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"735XX","tags":null,"has_narrative":true,"complaint_id":"10769718","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-11-12T21:25:43.000Z","state":"OK","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["It's not <em>complete</em> and does not meet my standards ; according to law, you must certify all aspects of <em>required</em> FCRA/ Metro 2 <em>compliance</em> which is done <em>truthfully</em>, correctly ( in a timely manner ), completely AND accurately as well - or else I would have"],"company":["NAVY <em>FEDERAL</em> CREDIT UNION"]},"sort":[16.3652,"10769718"]},{"_index":"complaint-public-v1","_id":"8305237","_score":16.242641,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. \n\nPursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the XXXX. \n\nDeviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. \n\nIt is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. \n\nYour actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. \n\nXXXX XXXX Collection {$430.00} XXXX XXXX-Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection {$430.00} XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-02-09T16:01:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10452","tags":null,"has_narrative":true,"complaint_id":"8305237","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-07T06:32:35.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I insist that you certify all aspects of <em>required</em> FCRA/Metro 2 <em>compliance</em> <em>truthfully</em>, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), <em>Federal</em> Trade Commission ( FTC ), and my Attorney General. \n\nXXXX XXXX Collection {$430.00} XXXX XXXX-Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection {$430.00} XXXX XXXX XXXX XXXX XXXX"]},"sort":[16.242641,"8305237"]},{"_index":"complaint-public-v1","_id":"8297820","_score":16.242641,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. \n\nPursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to XXXX XXXX compliance standards, according to the XXXX. \n\nDeviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. \n\nIt is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. \n\nYour actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required XXXX XXXX compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. \n\nXXXX XXXX Collection {$430.00} XXXX XXXX-Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$430.00} XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-02-07T06:31:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10452","tags":null,"has_narrative":true,"complaint_id":"8297820","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-02-07T06:31:46.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I insist that you certify all aspects of <em>required</em> XXXX XXXX <em>compliance</em> <em>truthfully</em>, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), <em>Federal</em> Trade Commission ( FTC ), and my Attorney General. \n\nXXXX XXXX Collection {$430.00} XXXX XXXX-Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$430.00} XXXX XXXX XXXX XXXX XXXX"]},"sort":[16.242641,"8297820"]},{"_index":"complaint-public-v1","_id":"18943053","_score":16.157848,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, I am submitting this complaint to request assistance regarding inaccurate and improper credit reporting related to a vehicle repossession by a furnisher on my consumer credit report.\n\nUnder the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), furnishers of information have a legal obligation to provide accurate, complete, and truthful information to consumer reporting agencies. Additionally, under 15 U.S.C. 1681s-2 ( b ), once a dispute is filed, furnishers are required to conduct a reasonable investigation, review all relevant information, and correct or delete any inaccurate or unverifiable data. \n\nDespite disputing this repossession with the credit reporting agencies, the furnisher has continued to report inaccurate and misleading information, including but not limited to : Improper reporting of the repossession status Inaccurate balance information Failure to update the account to reflect accurate post-repossession details Failure to provide verification supporting the reported information This continued reporting has caused significant harm to my credit profile and financial standing. The furnishers failure to comply with its duties under the FCRA constitutes a violation of federal law. \n\nI am requesting that the CFPB investigate this matter and require the furnisher to : Provide proper verification of the repossession information, or Correct or delete any inaccurate, incomplete, or unverifiable information from my credit reports. \n\nI appreciate your assistance in ensuring compliance with federal consumer protection laws and safeguarding consumer rights. \n\nSincerely,","date_sent_to_company":"2026-01-23T02:15:32.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"29455","tags":null,"has_narrative":true,"complaint_id":"18943053","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Global Lending Services LLC","date_received":"2026-01-23T01:54:44.000Z","state":"SC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The furnishers failure to comply with its duties under the FCRA constitutes a violation of <em>federal</em> law. \n\nI am requesting that the CFPB investigate this matter and <em>require</em> the furnisher to : Provide proper verification of the repossession information, or Correct or delete any inaccurate, incomplete, or unverifiable information from my credit reports. \n\nI appreciate your assistance in ensuring <em>compliance</em> with <em>federal</em> consumer protection laws and safeguarding consumer rights. \n\nSincerely,"]},"sort":[16.157848,"18943053"]},{"_index":"complaint-public-v1","_id":"8166592","_score":15.943582,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Consequently, I reject the allegations against me and challenge you to provide evidence that justifies reporting this incomplete negative information on my credit report. \n\nIn accordance with 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. It also requires them to conduct reasonable investigations of consumer disputes, following Metro 2 compliance standards outlined in the CRRG. \n\nDeviation from these standards jeopardizes the integrity of the data, as emphasized in the CRRG. Any errors in reporting can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my request would indicate a disregard for my consumer rights. \n\nIt is unjust for you to report unconfirmed and potentially unethical information that does not meet certified reporting standards. I am disputing these claims and demanding proof of proper reporting standards. Your actions are a violation of my rights, as outlined in this document. The incomplete and non-compliant nature of the report does not meet legal standards. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. 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